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Daily Mail 30 December 2016Family First Comment: More political ideology being forced on parents (which is why Brexit and Trump won!)“The ban was proposed by a group of ecologist and socialist MPs as an amendment to the Equality and Citizenship bill…” Interesting name of the bill, but here’s the wackiest bit…“As part of the law, brides and grooms will be reminded during the civil marriage service of their obligation not to use violence against their children.”Adultery? Fine. Divorce? If you have to. Smacking? Heck no!Parents in France no longer have the right to beat their children after a new law banning corporal punishment came into force this week.The move leaves Britain as one of only four countries in Europe where smacking remains a legal way of disciplining children.The French law now defines parental authority in the Civil Code as excluding ‘all cruel, degrading or humiliating treatment, including any recourse to corporal violence’.Now the UK, Italy, Switzerland and the Czech Republic are all expected to receive mounting demands to pass a similar law against smacking.French centrist MP Jean-Christophe Lagarde has described his country’s new law as ‘ a ridiculous attempt to micromanage family life’.The ban was proposed by a group of ecologist and socialist MPs as an amendment to the Equality and Citizenship bill, which went before parliament earlier this year.The legistlation says it aims to ‘set out a clear principle, which should be repeated to fathers and mothers and influence their future behaviour’.READ MORE: http://www.dailymail.co.uk/news/article-4075942/Parents-France-no-longer-right-smack-children-new-law-comes-force-Britain-mounting-pressure-follow-suit.htmlKeep up with family issues in NZ. Receive our weekly emails direct to your Inbox.
Housing markets and mortgage terms can vary significantly across the United States. Did you know that a potential homebuyer in one state might be able to get approved for a loan more easily than someone with a similar income and credit score who lives in another? It’s something to consider for homebuyers in the market to buy or refinance, the zip code can make a big difference in their mortgage. A recent study by LendingTree analyzed data from its users in different states to see how the markets compare. The study looked at several factors in the home buying process, like average annual percentage rates (APRs), loan-to-value ratios, home loan amounts, and down payment averages. It also noted the spread between high and low APRs, to show how shopping around for a mortgage can help a potential buyer save money.The average interest rate for all 50 states is 4.84 percent, with California, New Jersey, Washington and Massachusetts offering the lowest, bottoming out at 4.74 percent. On the opposite end of the scale, New York, Iowa, and Arkansas offer the highest topping off at 4.96 percent. When it comes to down payments, West Virginia is the lowest, where the average buyer only needs approximately $15,000. However, the same buyer in New York will need almost triple that amount ($43,404) for the average down payment.Buying a home is a major investment and shopping around for loans can save a lot of money. If you want to narrow down the top 10 states for the lowest average mortgage rates, here are the results in order starting with California at 4.74 percent ending with Idaho at 4.89 percent: California New JerseyWashingtonMassachusettsUtahColoradoMarylandKentuckyVirginiaSouth DakotaTo find out which states offer the highest rates and more facts read the full report here. Down Payment homes HOUSING Lending LendingTree loans mortgage 2019-02-12 Radhika Ojha Share February 12, 2019 969 Views Which 10 States Offer the Lowest Mortgage Rates? in Daily Dose, Data, Featured, News